Which type of insurance typically covers damages to a homeowner’s property?

Homeowners insurance is specifically designed to cover damages to a homeowner's property. It provides protection against a range of risks, including fire, theft, vandalism, and certain natural disasters. Additionally, homeowners insurance generally covers both the physical structure of the home and the belongings within it, offering a comprehensive safety net for homeowners.

In contrast, personal lines insurance encompasses policies that cover personal risks but is a broader category that includes renters insurance and auto insurance, rather than being specific to property owned by homeowners. Commercial lines insurance, on the other hand, is tailored for businesses and covers commercial property and liability risks, making it irrelevant in the context of residential coverage. Bonding insurance is used to protect against loss caused by a company's failure to fulfill its contractual obligations and is not designed for property damage coverage. Thus, homeowners insurance stands out as the most appropriate choice for addressing damages to a homeowner’s property.